What Does Mobile Phone Insurance Cover?




What Does Mobile Phone Insurance Cover

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Although plans are frequently more complicated than that and it’s crucial to know exactly what you’re covered for before making a claim, mobile phone insurance typically only covers the cost of repairing or replacing your phone. Your chances of making a successful claim will rise if you are aware of the specifics of your policy. To assist you understand whether you’re qualified for a payout, we’ll describe your mobile insurance coverage in this post.

What the SO-SURE phone insurance covers

Everybody has dropped their phone or left it on a bus or train, but having mobile insurance coverage ensures that you can swiftly acquire replacements or repairs. It’s helpful to understand exactly what you may claim for because there are many various ways that a phone might get lost or damaged. Below are some frequently asked questions about our policies that are addressed.

Is accidental damage covered by my phone insurance?

We do cover accidental damage, so there’s no need to freak out if you drop your phone and discover it on its side. However, we still advise using a case!

Will a damaged screen be covered by my phone insurance?

This falls under incidental damage, and we’ll pay for any screen repairs for scuffed, cracked, or otherwise damaged displays.

Does phone insurance cover water damage?

All water damage is covered by us, regardless of whether you dropped your phone in the toilet, accidentally went for a swim with it in your pocket, or were out in the rain with it.

Everything is included.

Following is a list of all the things that SO-SURE mobile phone insurance will cover for you:

  • Loss and theft are commonplace.
  • Accidental harm, such as damaged screens and water damage
  • Up to three years old, new, used, or refurbished phones
  • Amount of accessories, including VAT, not to exceed £100
  • Up to £1000 in unauthorized network charges
  • failure not covered under warranty
  • 90 days spent abroad

As soon as you enroll with us, you’ll be protected, but we won’t pay for any prior claims you carry over.

What does SO-SURE phone insurance not cover?

What does SO-SURE phone insurance not cover

Knowing what you are and are not insured for will help you avoid spending time filing claims for things for which you will not be reimbursed or replaced.

We won’t provide coverage for:

  • any claims you had before purchasing our insurance
  • More than two claims for theft or loss in any given coverage year
  • claims that you intentionally placed your smartphone at risk

Your eligibility for phone repairs or replacement will be determined once your claim has been reviewed and examined. Your claim can be denied if it is shown that you were irresponsible with your phone, such as when you were driving off with it on the roof of your car or left it unattended in a public area.

It’s also important to remember that many insurance only provide coverage for phones that have a particular age. You will be protected for phones up to three years old, whether they are new, used, or refurbished.

Must I purchase phone insurance?

The decision to get mobile phone insurance is heavily influenced by your financial situation, attitude toward risk, and, to put it simply, your level of clumsiness. You should consider this:

Would I be able to afford to replace my phone if it were lost, damaged, or stolen?

Do I frequently break and misplace things?

Mobile phone insurance coverage may not be for you if you are not prone to misplacing or breaking your phone, could afford to replace it, and yet have money left over for necessities like food and utilities. However, it could be time to invest in some cover if replacing a smartphone could put you in financial hardship or if you frequently misplace or damage things. This will save you money in the long run!

Where can I get phone insurance?

You may now insure your phone with So-Sure knowing what will be covered. Our sign-up and claims processes are quick and simple, unlike those of many rivals, and our premiums are up to 40% less expensive than those of mobile networks. All the information is available on our website, and if you have any questions, please don’t hesitate to contact us.


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